Meghan and Harry have hired you to deliver some financial expertise and advice. They are 30 years old and have two children, ages 4 and 5, and live in Denver, Colorado. They work as engineers at a transportation company and currently earn $90,000 each (after-tax). In your initial meeting with them, they stated the following financial goals: 1Establish an adequate emergency fund 2Pay off current debts 3Purchase a 4 bedroom, 3 bathroom home in the Highlands Ranch area, where this type of home averages about $400,000 (they want to put down 20% as a down payment and finance the rest using a 6%, 30-year mortgage) 4Create a college fund for their children (they plan for each child to enroll at the University of Colorado when they turn 18 and have estimated the total cost of college at $60,000 for each child) 5Establish an investment plan that will grow to $3,000,000 when they retire at age 65.